Personal Checking Options

 

Smell The Flowers. At Panola National Bank we offer a comprehensive range of personal checking accounts.  Each account has different features which are categorized below.  This will assist you in deciding which account best fits yours needs.

For more detailed information and for more assistance in selecting an account, we invite you to contact any of our new accounts representatives to further assist you.

Personal Banking 

 

Compare Checking Accounts

 

Product Type Minimum to Open Minimum Balance Maintenance Fee * Interest Bearing
Regular Checking $250.00 $500.00 $10.00 N/A
Freedom Account $250.00 N/A N/A N/A
Now Checking $1,500.00 $1,500.00 $15.00 Yes
Super Now Checking $2,500.00 $2,500.00 $15.00  Yes
Money Market Checking $2,500.00 $2,500.00 $15.00 Yes
Club Checking $250.00 N/A $10.00 - $15.00 N/A
Priority 55 Club Checking $500.00 $500.00 $5.00 Yes

 

* A monthly maintenance fee will be applied if the account falls below the minimum balance level.

 

 

Regular Checking Account

 

$250.00 Minimum Opening Balance

Minimum Balance Maintenance Fee
Over $500.00 No Charge
Below $499.99  $10.00

Unlimited check writing.

Statements mailed monthly.

Available to individuals for personal and household use. 

 

For additional disclosures, see a New Account Representative.

 

Freedom Account

 

$250.00 Minimum Opening Balance
No Minimum Balance Required

Unlimited check writing.

Statements mailed monthly.

Canceled checks will not be returned.

No interest earned or paid. No activity or transaction fees.

Standard ATM/Debit Cards, INTERNET BANKING and miscellaneous fees will apply.

Recommend use of duplicate checks - Reduced prices available with initial order.

Available for individuals for personal and household use. Limit one (1) account per household.

 

See New Account Representative for additional disclosures.


 

Now Checking Account

 

$1,500.00 Minimum Opening Balance
Interest is calculated on the daily balance method and credited monthly. Available to individuals and sole proprietorships.
Prohibited for profit-making corporations and partnerships.

Minimum Balance Maintenance Fee
Over $1,500.00 No Charge
Below $1,499.99 $15.00

Unlimited check writing.

Statements mailed monthly.

Rates may change  at our discretion.

 

For the annual percentage yield (APY), interest rates and additional disclosures, see a New Account Representative.

Super Now Checking Account

 

$2,500.00 Minimum Opening Balance
Interest is calculated on the daily balance method and credited monthly. Rates may change at our discretion. If balance falls below $2,500.00 a rate equal to passbook savings will be paid until the account balance is restored to $2,500.00. If the balance falls below $1,500.00, no interest will be paid until the balance is restored to $1,500.00.

Available to individuals and sole proprietorships.

Prohibited for profit-making corporations and partnerships.

Minimum Balance Maintenance Fee
Over $2,500.00 No Charge
Below $2,499.99 $15.00

Unlimited check writing.

Statements mailed monthly.

 

For the annual percentage yield (APY), interest rates and additional disclosures, see a New Account Representative.

 

Club Checking Account

 

May be combined with any personal checking account.

Not available for Business Accounts.

No Minimum Balance required.

Regular Club Checking ........ $10.00 Club Fee
Family Club Checking ........... $15.00 Club Fee

300 Club Checks per year at no charge.

 

For additional Club benefits see a New Account Representative.

 

Priority 55 Club Account

 

$500.00 Minimum Opening Balance
Interest is calculated on the daily balance method and credited monthly.

Rates may change at our discretion.

If balance falls below $500.00 no interest will be paid until the balance is restored to $500.00.

Minimum Balance Maintenance Fee
Over $500.00 No Charge
Below $499.99 $5.00

Unlimited check writing.

Statements mailed monthly.


$5,000.00 Accidental Death Insurance per account.

20% discount on Safe Deposit Boxes (based on availability).

Notary Service at no charge.

300 Club checks per year at no charge.

 

For the annual percentage yield (APY), interest rates and additional disclosures, see a New Account Representative.